Travel Health Insurance

Travel Health Insurance or Travel Medical Insurance provides coverage to overseas travellers against any medical contingencies or emergency evacuation situations abroad. It is also referred to as international health insurance policy, international medical insurance or worldwide medical insurance policy across the globe.

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* Price shown is for a 7 day trip to USA with one lakh dollar sum insured for an adult of 25 years of age

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What is Travel Health Insurance?

Travel health insurance is a kind of travel insurance policy that is helpful when a medical emergency can occur at any point of the overseas trip. It is no brainer that the cost of healthcare abroad is way more than that in India. If the insured gets hospitalised abroad for something as common as viral fever, it can cause a big dent in the trip budget.

In short, a travel health insurance policy takes care of the insured’s medical expenses, safety and makes sure that he/she travel stress-free. Regardless of the age and whether the insured is travelling for a vacation or business purpose, he/she can buy the best travel medical insurance in India for the trip.

Why Buy a Travel Health Insurance Plan?

Travel insurance is essential for all kinds of travellers, travel health insurance is ideal for people seeking overseas medical coverage only. An overseas traveller should buy a travel health insurance policy only if he/she is not worried about obtaining coverage for travel-related emergencies, such as trip delay, baggage insurance, missed connection flight, etc. In case the traveller is already covered for travel and flight-related adversities, he/she can buy travel health insurance policy for his/her overseas trip.

Key Features of Travel Health Insurance in India

Following are some of the key benefits of buying international health insurance policy:

  • Provides cashless hospitalization facility

  • Available for occasional travellers and frequent flyers

  • Offers 24x7 medical assistance

  • Mostly offers global coverage

  • Covers individual as well as families

  • No pre-policy medical check-up for up to 70 years as per the plan

Things to Know About Travel Medical Insurance Policy

Categories Specifications
Trips Covered International
Number of Countries Covered Worldwide
COVID-19 Cover Available
Cashless Treatment Available
Claim Assistance Available

Types of Travel Health Insurance Policy

Broadly, a travel health insurance policy can be divided into two types based on trip frequency:

  • Single Trip Travel Health Insurance

    If a traveller purchases travel medical insurance for a single trip, then it can be referred to as a Single Trip Travel Health Insurance policy. This type of insurance begins with the commencement of the trip and ends as soon as the traveller returns back home.

  • Multi-Trip Travel Health Insurance

    A Multi-trip Travel Health Insurance policy provides coverage to the insured traveller for multiple trips. This type of medical travel insurance is usually taken for a policy term of one year. However, the duration of each trip is limited to 30/ 45/ 60 days as per the travel insurance company.

    On the basis of the destination country, international health insurance plans can be divided into the following types:

  • Schengen Travel Health Insurance

    Schengen Travel Insurance plans provide coverage to travellers who are visiting one or more Schengen countries. The plan is usually available for trips of less than 90 days.

  • Non-Schengen Travel Health Insurance

    Non-Schengen Travel Health Insurance plans are available to travellers who are travelling to a non-Schengen country or any country outside the Schengen region. This policy is available for single trips as well as multi-trips.

Travel Health Insurance Coverage

A travel medical insurance policy or medical travel insurance financially protects overseas travellers against the following adversities:

  • Medical Illness Treatment

    Any emergency medical expenses that the insured traveller may incur on the treatment of a sudden illness during his/her trip will be covered under the travel medical insurance policy. It will include both daycare treatment expenses as well as hospitalization expenses. Some insurers may also cover pre and post hospitalization expenses up to a fixed number of days.

  • Personal Accident

    If the insured meets with an accident during his/her trip, this medical travel insurance policy will bear the treatment expenses. It will also provide compensation in case the insured suffers from any partial or permanent disability due to the accidental injury.

  • Emergency Medical Evacuation

    A medical travel insurance policy will come to the rescue of the insured traveller in case he/she needs to be evacuated urgently to a nearby hospital. It will cover the transportation cost involved, i.e. ambulance charges.

  • Emergency Dental Treatment

    If the insured traveller takes any treatment for emergency dental pain relief during his/her trip, then he/she will be covered by the medical travel insurance policy.

  • Hospital Daily Cash

    In case the insured traveller gets hospitalized for more than a certain number of days, he/she will be eligible to receive a daily allowance to cover day-to-day expenses at the hospital.

  • Delay/ Loss of Check-in Baggage

    If the check-in baggage of the insured is delayed or misplaced by the scheduled airline, the insurance provider will reimburse the expenses incurred and provide compensation for the losses incurred.

Additional Coverage of Travel Health Insurance

A handful of insurance companies in India also offer other kinds of coverage under travel medical insurance. While some insurers may offer these covers under basic coverage, other insurance companies may provide these covers on the payment of an additional premium amount. Take a look at some of the additional covers available under an international health insurance policy:

  • Pre-Existing Diseases Cover

    In case the insured traveller takes medical treatment for any pre-existing diseases or medical conditions, the treatment expenses will be covered by the travel insurance provider under this cover.

  • Flight Delays

    If the scheduled flight of the insured traveller gets delayed for more than a specified number of hours, then the insurer will compensate him/her for any losses incurred under the travel health insurance policy.

  • Personal Liability

    In case a legal liability is imposed on the insured traveller during his/her trip for causing injuries or damages to a third party, this cover will enable the insurance company to pay compensation on behalf of the insured.

Travel Health Insurance Companies in India

Various public and private insurance companies are rolling out competitive travel health insurance plans with a range of attractive covers. Take a look at some of the leading insurance companies that offer travel health insurance plans in India:

Travel Health Insurance Companies in India Maximum Entry Age Key Features
Aditya Birla Travel Insurance Not available
  • Hospitalization expenses
  • Medical emergency assistance
  • Repatriation expenses
Bajaj Allianz Travel Insurance Minimum - 6 months
Maximum - 70 years
  • Personal injuries
  • Accidental death
  • Medical evacuation
Bharti AXA Travel Insurance Minimum - 3 months
Maximum - 85 years
  • Dental care expenses
  • Medical expenses
  • Daily hospital allowance
Care Travel Insurance Minimum - 1 day
Maximum - 70 years
  • Hospitalization expenses
  • Out-patient care
  • Life-threatening conditions due to PED
Chola MS Travel Insurance Minimum - 3 months
Maximum - 85 years
  • Overseas medical expenses
  • Personal accident - overseas
  • Dental treatment expenses
Digit Travel Insurance Minimum - 3 months
Maximum - 99 years
  • Accidental death & disability
  • Emergency medical treatment & evacuation
  • Daily cash allowance
Future Generali Travel Insurance Minimum - 6 months
Maximum - 80 years
  • Emergency medical evacuation
  • Medical expenses
  • Emergency sickness dental relief
IFFCO Tokio Travel Insurance Minimum - NA
Maximum - 60 years
  • Medical expenses
  • Dental treatment
  • Hospital daily allowance
National Travel Insurance Not available
  • Medical evacuation
  • Illness hospitalization expenses
  • Medical emergency reunion
New India Travel Insurance Minimum - 6 months
Maximum - 70 years
  • Medical/ repatriation expenses
  • Personal accident
Oriental Travel Insurance Minimum - 6 months
Maximum - 60 years
  • Personal accident
  • Medical expenses and repatriation
Reliance Travel Insurance Minimum - 6 months
Maximum - 60 years
  • Medical expenses
  • Total loss of checked-in baggage
  • Delay of checked-in baggage
Royal Sundaram Travel Insurance Minimum - 91 days
Maximum - No upper limit
  • Sickness dental relief
  • Medical expenses
  • Repatriation of mortal remains
SBI Travel Insurance Minimum - 6 months
Maximum - 70 years
  • Hospitalization daily allowance
  • Personal accident
  • Medical expenses
Shriram Travel Insurance Minimum - 90 days
Maximum - 65 years
  • Personal accident
  • Medical expenses cover
  • Dental treatment
Star Travel Insurance Minimum - 6 months
Maximum - 70 years
  • Emergency medical transportation
  • Dental emergency expenses
  • Transportation of mortal remains
Tata AIG Travel Insurance Minimum - 6 months
Maximum - Not available
  • Accidental death & repatriation
  • Medical emergencies
  • Emergency medical evacuation
United India Travel Insurance Minimum - 6 months
Maximum - 80 years
  • Personal accident
  • Medical expenses & repatriation
  • Hospital daily allowance
Universal Sompo Travel Insurance Minimum - 1 day
Maximum - 70 years
  • Medical repatriation
  • Dental treatment
  • Medical expenses
See More Plans

Exclusions of Travel Health Insurance Policy

Most Travel Medical Insurance policies do not cover the following events or situations:

  • Travelling Against Medical Advice - If the insured is travelling against the doctor’s advice, then the travel insurance company will not pay for any medical expenses incurred during the trip.
  • Pre-existing Diseases - Most travel insurance companies do not provide coverage for any pre-existing medical condition or illness under travel health insurance plans unless purchased as an add-on cover.
  • Consumption of Intoxicants - Any medical expenses incurred on the treatment of an illness or injury arising due to the consumption of intoxicants, such as alcohol and drugs, will not be covered.
  • War or Civil Unrest - Any injury or illness of the insured traveller resulting due to events, such as war, an act of war, protest, strike, terrorism, etc., will not be covered under travel medical insurance policy.
  • Cosmetic Treatment - No medical expenses incurred on cosmetic treatment and surgery will be covered by the insurance provider.
  • Sexually Transmitted Diseases and HIV AIDS - - If the insured traveller receives treatment for any sexually transmitted diseases or HIV AIDS while travelling, the expenses incurred will be excluded under this policy.
  • Self-inflicted Injury - In case the insured traveller takes medical treatment for any self-inflicted injuries, such as suicide or attempt to suicide, it will not be covered by the travel health insurance policy.
  • Alternative Treatment - If the insured traveller receives treatment through Ayurveda, Homeopathy, Siddha and Unani during his/her trip, then the insurance provider will not cover the expenses incurred.
  • Adventure Sports - Most insurance companies do not cover any expenses incurred on the treatment of any injury or illness arising due to participation in adventure sports activities, such as rafting and skiing, during the trip.
  • Mental Disorders - If the insured travellers take treatment for any medical disorders, such as anxiety, depression, etc., during the trip, then the medical expenses incurred will not be covered under the travel medical insurance policy.

Benefits of Travel Health Insurance Policy

Travelling can be quite uncertain. With the change in climate and exertion involved, the chances of a traveller getting ill increases leaps and bounds. Travel health insurance benefits travellers who unexpectedly fall sick or meet with an accident during their trip. Here are some of the ways through which a travel medical insurance policy can benefit a traveller:

  • Emergency Medical Expenses

    If the insured traveller gets ill or meet with an accident and require hospitalization, his/her travel health insurance policy will cover all the expenses incurred on the treatment. It covers both pre and post hospitalization expenses as well as the cost of transporting the patient to the hospital by reimbursing the ambulance charges. Moreover, travel medical insurance provides compensation if the insured suffers from temporary or permanent disability.

  • Medical Assistance at Remote Areas

    This type of insurance can turn out to be quite useful if the insured is travelling to a remote area with poor healthcare services. The insurance provider will evacuate the traveller to the nearest hospital in case he/she requires emergency medical assistance.

  • Coverage for Each Traveller

    No matter where a traveller is going and for what purpose, a travel health insurance policy will provide coverage to all kinds of travellers. From individuals to families and senior citizens to students, every traveller can opt for protection under this medical travel insurance policy. Even people who travel frequently to different places abroad are protected under this policy.

  • Travel Stress-Free

    A trip can become quite stressful if someone gets ill or injured in an accident. However, people with travel medical insurance can travel without a worry as they are covered for any unforeseen medical emergency under the policy.

How to Buy Travel Health Insurance?

A travel health insurance policy can be purchased both online and offline. People who want to buy travel insurance offline can visit the nearest branch of the insurance company or contact one of its agents. People who want to buy travel health insurance online can follow the steps given below:

  • Visit the official website of Policybazaar Insurance Broker Private Limited
  • Go to the option of buying travel insurance
  • Fill in the online application form with the required details such as travel dates, destination, email id, etc.
  • Select the international health insurance plan to buy
  • Pay the premium amount online
  • The traveller will receive a soft copy of the policy document in the email.

Prospective travellers can also call the toll-free number of com on 1800-208-8787 to buy the policy. In case of any confusion, they can also write to

What is International Travel Medical Insurance?

International travel medical insurance refers to travel health insurance plans that cover international trips. It provides coverage to the insured traveller against medical emergencies faced during the overseas trip. Usually, such plans have a greater emphasis on coverage for medical evacuation. Most insurance companies offer international travel medical insurance plans with worldwide coverage.

Claim Procedure for Travel Health Insurance

The claim procedure under the best travel health insurance policy is similar to that of a regular travel insurance policy. Follow the steps given below to register a claim under a Travel Medical Health insurance policy:

  • Inform the insurance company or the third party assistance (TPA) provider about the hospitalization abroad through phone or email
  • Arrange documents that need to be submitted in support of the claim, including the claim form
  • Submit all the documents to the TPA or the insurance provider via post, email or fax
  • The claims team will verify the claim and make the payment

Cashless claims can only be made if the insured gets hospitalized at one of the network hospitals of the insurance company. In case of cashless claims, the insurer will settle the bill directly with the network hospital after the treatment is over.

How to Renew a Travel Health Insurance Policy?

A travel health insurance policy usually comes with the renewability option. In case the insured decides to extend his/her trip and wishes to stay covered against any unforeseen medical expenses, he/she can renew the policy. Just make sure to renew the existing policy before it gets expired.

The insured traveller can renew a travel medical insurance policy both online and offline. Offline policy renewal would need him/her to visit the nearest office of the insurance provider or contact an insurance agent.

People who want to renew their travel health insurance online can follow the steps given below:

  • Visit the website from where the policy was purchased
  • Log in to the website using the username and password
  • Enter the details of the existing policy, such as policy number
  • Review the details of the existing policy
  • Pay the premium amount
  • The renewed policy will be sent to the policyholder.

Compare Best Travel Health Insurance Plans

It can get very difficult for an individual to select the best travel health insurance plan as there are lots of options available in the market. Therefore, the best way to find the most suitable travel medical insurance is by comparing various plans offered by different insurance companies.

This will help the insured to find an ideal plan for his/her trip, which will provide the best coverage at an economical rate. Anyone can compare different travel health insurance policies online at the website of Policybazaar Insurance Broker Private Limited.

International Health Insurance - FAQs

  • Q: Am I Required to Undergo any Medical Examination Prior to Buying a Travel Health Insurance Plan?

    Ans: No, there is no medical check-up needed for travellers up to the age of 65 or 70 years to buy international health insurance. However, the age limit may differ from insurer to insurer.
  • Q: Can I Buy Travel Medical Insurance with a Pre-Existing Condition?

    Ans: Mostly pre-existing health conditions are not covered under travel medical insurance. But if you purchase pre-existing diseases add-on cover, then the medical expenses resulting from such diseases will be covered by your insurer.
  • Q: Can I Buy Travel Medical Insurance Even After Booking a Flight?

    Ans: Yes. The good news is that you can buy a travel health plan even after your flight tickets are booked but until your actual travel date doesn’t arrive.
  • Q: Is Travel Health Insurance and Health Insurance the Same?

    Ans: No, travel health insurance is not the same as health insurance. However, travel medical insurance is very similar to travel insurance. Travel medical insurance covers only unforeseen medical emergencies and expenses incurred during the trip. Unlike travel medical insurance, a health insurance policy will cover you against medical adversities even when you are not travelling.
  • Q: How Much Does Travel Health Insurance Cost?

    Ans: The cost of a medical travel insurance policy depends on multiple factors, such as the age of the traveller, the purpose of travel, coverage opted, etc. The costs of many travel medical insurance policies begin at around INR 650 for the entire trip. It can also be paid on a per-day basis. You can check a travel insurance calculator on to find the cost of an international health insurance policy before selecting a plan.
  • Q: Can I Buy Travel Medical Insurance for My Aged Parents?

    Ans: Yes, you can buy travel health insurance for your elderly parents. There are many insurers who offer travel health insurance to senior citizens aged between 65-70 years. However, compare the plans on parameters such as the inclusion of pre-existing illness or other benefits before buying any one.
  • Q: Does Travel Insurance Cover Medical Insurance?

    Ans: Yes. Travel insurance policies provide medical insurance benefits to the insured traveller during his/her trip. Also known as travel medical insurance, it offers medical coverage to the insured while travelling, which includes emergency medical expenses, dental expenses, medical evacuation cover, etc.

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Travel Health Insurance Reviews & Ratings
4.8 / 5 (Based on 111 Reviews)
(Showing Newest 10 reviews)
Raurkela, May 23, 2022
Provided expenses
I had a really really bad cold. I needed medication for a week. I went to the doctor and got my prscription. It was expensive and there were some drops involved. My insurance coverage provided me with the expenses.
Sagar, May 21, 2022
Paid for traetment
We had purchased travel health just in case. Well it came to our aid thankfully when I slipped and had a bad injury. It paid for my treatment.
Sonipat, May 16, 2022
Easy peasy
Because I have been there customer previoulsy, I just added things I neede in the previous plan only. Easy peasy to do.
Barasat, May 13, 2022
Never been easier
Claiming medical travel insurance had never been easier. It was just two clicks away.
Maunath Bhanjan, May 11, 2022
Didnt incur any costs
My travel health provided me with a private room and excelent traetment when I was run over by a drunk driver. Well, glad to say, injuries werent sever. And I didnt incur any costs as they were under insurance.
Purnia, May 03, 2022
Claim it promptly
Because I have a weak stomach and frequently get sick, I picked PolicBazaar to get my medical travel insurance. It was quite beneficial to me. I went with the online approach because it didn't involve a lot of paperwork, and I was able to claim it promptly.
Kirari Suleman Nagar, May 01, 2022
Cavered costs and expenses
I became ill as a result of food poisoning when out on the town on weekends. I had to go to the hospital. Fortunately, I had acquired a medical travel insurance policy from PolicyBazaar, which covered the costs and expenses. At the very least, one item was causing me less anxiety.
Ichalkaranji, April 30, 2022
Cashless treatment
With the help of my travel health insurance plan, which I acquired from the policy bazaar, I obtained cashless treatment. When I fell ill while in Australia, my insurance coverage came to my rescue.
Tirupati, April 25, 2022
Everything excellent
As a consequence of my travel health insurance, which I acquired from Policy Bazaar, I received various benefits. I picked Multi Trip Travel Health Insurance since I travel regularly. Teamwork, effort, and service were all excellent.
Bally, April 17, 2022
Instant reimbursement
I recived reimbursement for my medication bills within a week. I had claimed my travel health online and when I friled the claim providing them the necessary information, I was reimbursed the amount instantly.